JVB Holding
ActiveJVB Holding has been active since 2024 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €63k and a net result of €46k. Its solvency ranks better than 44% of 245 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
94
/ 100
Excellent▲ +9 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability100=
Solvency81▼-19
Growth78
Stability82
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €6k at 30 days only on tighter terms
Liquidity ample (current ratio 3.66 against 4.17 in 2024), but 61.9% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Six signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 85
Relative position
BE, all sectors
reference
Sector 85
lower
← fewer bankruptcies
more bankruptcies →
raises risk · Young company
A young company has little track record yet and statistically fails more often than an established one.
KBO · incorporation dateAge against the risk zone
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
38.1%
Return on assets
27.5%
Age of the figures
8 mo
neutral · Filed after the deadline
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 31-08-2026, 31 days later. For context: 47% of the Belgian market files late and the whole 1-to-90-day band measures 2.0% abnormal legal state against a 1.66% average. We show this as a fact and do not score it.
NBB · 2 filingsDeviation from the deadline
2025
31 d late
2024
74 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
04-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€63k▲ 260%
2024 · €18k
2024: €18k
2024 → 2025
Total assets
€166k▲ 619%
2024 · €23k
2024: €23k
2024 → 2025
Net result
€46k▲ 204%
2024 · €15k
2024: €15k
2024 → 2025
Working capital
€83k▲ 374%
2024 · €18k
2024: €18k
2024 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20242025Trend
Equity€18k-€63k▲ 260%
Operating result€19k-€60k▲ 213%
Net result€15k-€46k▲ 204%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result rises in 2025; 2025 is 213% above 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €166k
Fixed assets
€52k
Current assets
€114k
Equity and liabilities €166k
Equity
€63k▲ 260%
Debt
€103k▲ 1,756%
The debt ratio rises from 24.0% to 61.9%: debt grows faster than equity.
Key figures and ratios
EBITDA
€61k
Cash flow
€47k
Solvency
38.1%▼
2024 · 76.0%
Current ratio
3.66▼
2024 · 4.17
Quick ratio
3.66▼
2024 · 4.17
Debt / equity
1.62▲
2024 · 0.32
ROE
72.3%▼
2024 · 85.8%
ROA
27.5%▼
2024 · 65.2%
Interest coverage
53.09
Debt
€103k▲
2024 · €6k
Debt ≤ 1 year
€31k▲
2024 · €6k
Debt > 1 year
€71k
Income taxes
€13k▲
2024 · €4k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Total assets
20/58€23k€166k▲
Fixed assets
21/28-€52k
Tangible fixed assets
22/27-€52k
Current assets
29/58€23k€114k▲
Amounts receivable within one year
40/41€8k€44k▲
Cash & bank
54/58€15k€71k▲
Total equity & liabilities
10/49€23k€166k▲
Equity
10/15€18k€63k▲
Contributions / capital
10/11€3k€3k=
Reserves
13€15k€61k▲
Amounts payable
17/49€6k€103k▲
Amounts payable after one year
17-€71k
Amounts payable within one year
42/48€6k€31k▲
Trade debts payable within one year
44€734€4k▲
Income statement
Code20242025
Gross operating margin
9900€19k€62k▲
Operating result
9901€19k€60k▲
Financial income
75-€177
Financial charges
65€23€1k▲
Result before taxes
9903€19k€59k▲
Income taxes
67/77€4k€13k▲
Net result for the period
9904€15k€46k▲
Result to be appropriated
9905€15k€46k▲
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
31-08
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema · 31 days late
2025
18-05
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
NBB filing
0 of 1 act read
About the unread acts
We know of 1 Belgian State Gazette act for this company. It has not been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
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Of 13,525 companies in sector 85510 we hold annual accounts for 670. 536 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded06-11-2024
Fiscal year end31-12
Activities, NACEBEL
85510Sports and recreation education
59113Video and film production, excluding cinema and television films
70210Activities of head offices; management consultancy activities
73300Public relations and communication consultancy
74201Photography, excluding press photography
82300Organisation of conventions and trade shows
Sources
Crossroads Bank for EnterprisesNational Bank · 2 filingsAddress and cadastre registers
Data from official sources, last processed on 01-09-2026. Scores and ratios are computed by Checked and are not a credit decision.